How to use chase Freedom unlimited with sapphire preferred?

Chase Freedom Unlimited with Sapphire Preferred: A Comprehensive Guide

Getting Started

If you’re a regular consumer or a student with a decent credit score, Chase Freedom Unlimited and Sapphire Preferred are two popular cash back credit cards that can help you earn rewards. Here’s a step-by-step guide to using Chase Freedom Unlimited with Sapphire Preferred:

Choosing the Right Card

Before we dive into the details, it’s essential to choose the right card for your needs. Here are some factors to consider:

  • APR: Look for cards with competitive APRs, especially if you’re not planning to pay off your balance in full each month.
  • Rewards structure: Consider cards that offer cash back or points in various categories.
  • Fees: Check for any annual fees or foreign transaction fees.
  • Credit score requirements: Ensure the card accepts your credit score.
  • Benefits: Look for cards with valuable benefits, such as travel insurance, purchase protection, or concierge services.

Signing Up and Setting Up

Once you’ve chosen the right card, sign up and set up your account:

  • Online or in-person: Apply online or in-person at a Chase bank location.
  • Card number and expiration date: Provide accurate information to avoid identity theft.
  • Social Security number or ITIN: Verify your social security number or Individual Taxpayer Identification Number (ITIN) to access your account.

Understanding Your Benefits

Now that you’ve signed up and set up your account, let’s dive into the benefits of using Chase Freedom Unlimited with Sapphire Preferred:

  • 25% cash back on $1,000 in combined purchases within the first 3 months: This means you’ll earn 25% cash back on all purchases made within the first 90 days, up to $1,000 per quarter.
  • 1% cash back on all other purchases: Earn 1% cash back on all other purchases, which is an excellent way to earn rewards in various categories.
  • No foreign transaction fees: Enjoy no foreign transaction fees, which can save you money on international travel.
  • No balance transfer fees: Avoid any balance transfer fees when transferring your balance to a new card.
  • 1% cash back on purchases made in the first 3 months: Earn 1% cash back on all purchases made during your first three months.

Using Your Benefits

Here are some tips on how to use your benefits effectively:

  • Monitor your account regularly: Check your account balance and rewards earned regularly to stay on track.
  • Make sure you’re earning the rewards: Verify that you’re earning the rewards you expect by comparing your rewards earnings to the card’s terms and conditions.
  • Use your cash back rewards wisely: Use your cash back rewards to pay off your balance, make purchases, or save for large purchases.

Refining Your Rewards Structure

To maximize your rewards earnings, consider refinining your rewards structure:

  • Mileage equivalent value (MEV): Calculate your MEV to determine the equivalent value of your rewards. This will help you track your earnings over time.
  • Rewards redemption rates: Research the best way to redeem your rewards, such as transferring to a loyalty program or using a travel credit card.
  • Tracking your rewards: Keep track of your rewards earned and redeemed to stay on top of your earnings.

Managing Your Card

To ensure your card is working effectively:

  • Keep your card secure: Make sure you’re using strong passwords and enabling two-factor authentication to protect your account.
  • Monitor your account for suspicious activity: Regularly check your account for any suspicious activity.
  • Contact Chase if you need assistance: Reach out to Chase if you have any questions or concerns.

Benefits of Sapphire Preferred

If you’re a Chase Sapphire Preferred cardholder, here are some additional benefits to consider:

  • Travel benefits: Enjoy travel insurance, trip cancellation insurance, and travel delay insurance.
  • Purchase protection: Get protection on purchases, including trip cancellations and purchase delays.
  • Concierge services: Use Chase’s Concierge service to get personalized assistance with travel, dining, and shopping.
  • Baggage delay reimbursement: Receive reimbursement for baggage delays, including lost luggage and trip cancellations.

Benefits of Sapphire Preferred Plus

If you’re a Chase Sapphire Preferred Plus cardholder, here are some additional benefits to consider:

  • Travel benefits: Enjoy additional travel benefits, including trip cancellation insurance, trip delay insurance, and travel accident insurance.
  • Purchase protection: Get protection on purchases, including trip cancellations and purchase delays.
  • Concierge services: Use Chase’s Concierge service to get personalized assistance with travel, dining, and shopping.
  • Baggage delay reimbursement: Receive reimbursement for baggage delays, including lost luggage and trip cancellations.

Tips for Making the Most of Your Rewards

Here are some tips to help you make the most of your rewards:

  • Take advantage of your 25% cash back: Use your cash back rewards to pay off your balance, make purchases, or save for large purchases.
  • Transfer your balance to a loyalty program: Consider transferring your balance to a loyalty program, such as Ultimate Rewards, to earn additional rewards.
  • Use your cash back rewards for travel: Use your cash back rewards for travel expenses, such as flights, hotels, and rental cars.

Conclusion

Using Chase Freedom Unlimited with Sapphire Preferred can help you earn rewards in various categories and maximize your benefits. By understanding your benefits, using your rewards effectively, and refining your rewards structure, you can get the most out of your card. Remember to keep your card secure, monitor your account for suspicious activity, and contact Chase if you need assistance. With these tips and benefits, you can make the most of your rewards and achieve your financial goals.

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